Does Condo Insurance Cover That?

If you have a covered loss, Condo insurance may cover your household items and some property. Find out ways it could
help protect you.

Types of condo insurance coverage

Am I Covered?

Your condo policy would cover damages resulting from causes like:

  • Fire or lightning
  • Windstorm or hail
  • Vandalism
  • Theft
  • And more. Speak with a Farmers agent about coverage specifics.

Here are some additional benefits of Condo insurance:

Coverage in foreign countries

Your policy covers your personal property, anywhere in the world, for the limit stated in your policy.

Property stolen outside your home

Your property is covered against theft regardless of its location on your property, except in some particular instances. To be covered under this policy, any theft must be immediately reported to the local police.

Dog bites

If your dog bites a guest or a neighbor, does your condo insurance cover it? Your basic liability coverage does include dog bites. However, homes with dogs that have a history of previous bites are considered ‘vicious' and cannot be considered for coverage and will be excluded.


Is data covered too? What about music files? If you lose important data during a covered loss, you would be covered up to $1,000 to replace that data on your equipment. This includes software, text, images, video or audio files.

Passports and valuable papers

If any valuable papers are destroyed during a covered loss, you will be reimbursed up to $1,500. This includes securities, deeds, and other legal documents. Also, this includes personal records including photos, videos, passports, tickets and stamps. This limit will pay for the cost to replace or restore the documents.


In case of theft of jewelry or watches, your policy will cover up to $1,000 per item, and up to $5,000 total for all jewelry and watches stolen in any one covered loss. Your jewelry is covered for other types of covered losses other than theft up to your limits listed in your policy. For extra coverage for higher end jewelry, consider purchasing a Jewelry Floater which can cover the full value of your jewelry, including damage.

This brief summary is not a policy document. Please read the actual policy documents for your state for important details on coverages, exclusions, limits, conditions, and terms. If there is any conflict between this summary and the policy documents, the policy documents will control. Not all products and discounts are available in every state.